Members with Account Access

Can I convert my regular MMSA to a Jumbo MMSA?No. You must open a new Jumbo MMSA and transfer the funds from your existing MMSA. Earned dividends begin the day the Jumbo MMSA is opened.

What if my balance falls below the $2,500 dividend minimum?
Funds in MMSAs with balances below $2,500 will not earn dividends for each day they remain below the minimum.

How can I access my account?
You can access your account by using Navy Federal Online® Account Access, an ATM or by phone.

Federal regulation allows a maximum of six transfers and/or withdrawals per calendar month—either by MMSA check, and/or any online or pre-authorized transfers, including those through the Automated Clearing House (ACH), by telephone or fax request. Checks are counted by the date they are paid, not the date they are written.
There are no monthly limits on the number of transfers or withdrawals made in person at a branch, through an ATM or by mail.

What if I exceed the number of authorized transactions within a calendar month?
We'll honor any checks or ACH debits that exceed the monthly limit, but an "excessive item fee" per check will be debited from your account. Electronic systems, such as Account Access, will block the over-limit transactions altogether. By law, Navy Federal must monitor MMSA activity. Excessive transactions that are limited by the regulation could result in the incurring of fees and/or account closure.

What happens if I write a check for an amount that exceeds my account balance?
The check will be returned and an insufficient funds fee in the amount shown in the current Schedule of Fees and Charges would apply. Funds will not be transferred from your other accounts or Checking Line of Credit to pay for the overdraft.

Does my new MMSA come with free checks?
Yes, all new MMSAs are eligible to receive one complimentary check order. There is a fee for check re-orders.

Members with Account Access

Can I convert my regular MMSA to a Jumbo MMSA?
No. You must open a new Jumbo MMSA and transfer the funds from your existing MMSA. Earned dividends begin the day the Jumbo MMSA is opened.

What if my balance falls below the $100,000 Jumbo dividend minimum?
Funds in MMSAs with balances below $100,000 will earn the Savings Account dividend rate for each day they remain below the minimum.

How can I access my account?
You can access your account by using Navy Federal Online® Account Access, an ATM or by phone.

Federal regulation allows a maximum of six transfers and/or withdrawals per calendar month—either by MMSA check, and/or any online or pre-authorized transfers, including those through the Automated Clearing House (ACH), by telephone or fax request. Checks are counted by the date they are paid, not the date they are written.
There are no monthly limits on the number of transfers or withdrawals made in person at a branch, through an ATM or by mail.

What if I exceed the number of authorized transactions within a calendar month?
We'll honor any checks or ACH debits that exceed the monthly limit, but an "excessive item fee" per check will be debited from your account. Electronic systems, such as Account Access, will block the over-limit transactions altogether. By law, Navy Federal must monitor MMSA activity. Excessive transactions that are limited by the regulation could result in the incurring of fees and/or account closure.

What happens if I write a check for an amount that exceeds my account balance?
The check will be returned and an overdraft fee in the amount shown in the current Schedule of Fees and Charges would apply. Funds will not be transferred from your other accounts or Checking Line of Credit to pay for the overdraft.

Does my new MMSA come with free checks?
Yes, all new MMSAs are eligible to receive one complimentary check order. There is a fee for check re-orders.

*Annual Percentage Yield. Certificate rates subject to change and penalty for early withdrawal applies. **APY for the $100,000 minimum Jumbo MMSA effective November 3, 2008 and may change weekly. If the balance falls below the minimum, the APY defaults to the Savings Account rate (please see rate sheet for current rate) for each day the account is below $100,000. The Jumbo MMSA allows up to six withdrawals/transfers per calendar month either online, by phone or fax request; unlimited withdrawals/transfers in person at a branch, ATM or by mail request. Dividends are earned daily and credited to the account at the end of the month. Fees may reduce earnings. This credit union is federally insured by the National Credit Union Administration.

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APY = Annual Percentage Yield | APR = Annual Percentage Rate
+Rates are based on an evaluation of credit history, so your rate may differ.
++Rates are variable and based on an evaluation of credit history, so your rate may differ.
*Message and data rates may apply. Terms and Conditions are available.
♦Terms and conditions are applied to gift cards.